RBS Invoice Finance
RBS Invoice Finance provides invoice discounting and asset-based lending to UK businesses through the FacFlow online platform and Royal Bank of Scotland's branch network, serving companies with minimum turnover thresholds of £300k to £6.5m.
- Company typePrivate
- Founded1727
- HeadquartersFeltham, United Kingdom
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
What RBS Invoice Finance does
RBS Invoice Finance Limited is a private limited company registered in England and Wales (No. 662221), operating as a wholly-owned subsidiary of Royal Bank of Scotland within the NatWest Group. The company provides invoice finance and asset-based lending products to UK businesses, offering invoice discounting (with a minimum turnover requirement of £300k) that releases up to 90% of outstanding invoice value within 24 hours while the customer retains ledger control, and asset-based lending (minimum turnover £6.5m) that provides cash release against existing business assets for working capital and acquisition financing.
The core technology is the FacFlow online platform, a secure self-service portal for managing invoice finance facilities, supporting invoice discounting operations, providing 13 months of statement history, and offering paperless communication including e-statements and e-letters. FacFlow integrates with RBS's broader digital banking infrastructure, including Bankline, and is accessible to existing RBS business banking customers via the digital banking login.
Revenue is generated through transaction-based fees on invoice discounting and asset-based lending facilities, capturing the spread between funding costs and customer charges. Distribution occurs through three primary channels: RBS's UK branch network with relationship managers (enterprise sales), the FacFlow self-service online platform (mid-market PLG-style access), and integration with RBS digital banking for existing business customers. Customer segments are horizontal, segmented primarily by turnover size: businesses with £300k+ turnover for invoice discounting and £6.5m+ turnover for asset-based lending. Partnerships with FreeAgent (accounting), ClearSpend (expense management), Tyl (payments), Lombard (asset finance), and Cushon (pensions) extend the embedded ecosystem around the core invoice finance offering.
RBS Invoice Finance firmographics
Firmographics- Name
- RBS Invoice Finance
- Legal name
- RBS Invoice Finance Limited
- Website
- https://rbsif.co.uk
- Company type
- Private
- Founded year
- 1727
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- RBS Invoice Finance provides invoice discounting and asset-based lending to UK businesses through the FacFlow online platform and Royal Bank of Scotland's branch network, serving companies with minimum turnover thresholds of £300k to £6.5m.
- Ownership category
- akta.pro rank
RBS Invoice Finance industry classification
Industry- Product category
- Invoice Finance and Commercial Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- P2P Debt Consolidation & Refinancing (FSAKAHAB)
- akta.pro secondary industry
- Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)
Keywords
Where RBS Invoice Finance is headquartered
LocationHeadquarters
- HQ city
- Feltham
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
RBS Invoice Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Invoice Finance Fees: RBS Invoice Finance generates revenue through fees charged on invoice finance facilities including asset based lending and invoice discounting. Revenue is derived from the difference between borrowing costs and fees charged to business customers seeking to unlock cash tied up in receivables or assets.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Asset Based Lending - minimum turnover £6.5m |
| Transaction based/ take rate | Pay-as-you-go | Invoice Discounting - minimum turnover £300k |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels2 records
RBS Invoice Finance product offering
Product offeringCore offering
RBS Invoice Finance provides invoice discounting and asset based lending facilities to UK businesses, enabling them to unlock cash tied up in outstanding invoices or existing business assets. The FacFlow online platform serves as the digital interface for accessing and managing these facilities, supporting invoice discounting operations with paperless statements and 13 months of statement history. Services are delivered through Royal Bank of Scotland's branch network, relationship managers, and self-service digital channels.
Product overview
RBS Invoice Finance provides a portfolio of invoice finance products centered around the FacFlow online platform. The core offerings consist of Invoice Discounting (providing up to 90% of invoice value within 24 hours for businesses with £300k+ turnover) and Asset Based Lending (for larger businesses with £6.5m+ turnover). FacFlow serves as the unified digital interface for managing both facilities, enabling online access, statement retrieval, and paperless communication.
Differentiator
Problem solved
Functional benefit
Brands
- FacFlow: Online platform for accessing and managing invoice finance facilities securely
Products and services
- Invoice Discounting Invoice finance solution that allows UK businesses to unlock cash from outstanding invoices, providing up to 90% of owed money within 24 hours. Customers collect payments and maintain ledger control. Requires minimum business turnover of £300,000.
- Asset Based Lending Cash release facility against existing business assets, supporting cash flow improvement and acquisition financing. Requires minimum business turnover of £6.5 million. Security may be required.
- FacFlow Online Platform Secure online portal that enables businesses to access and manage their invoice finance facilities at any time, view account information, and handle paperless communication including e-statements and e-letters with 13 months of statement history.
Quantifiable outcome
- Up to 90% of invoice value accessible within 24 hours
- +1 more outcomes
Companies that use RBS Invoice Finance
Customer profileSegments2 records
Ideal customer profiles2 records
RBS Invoice Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
RBS Invoice Finance partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered supporting and core.
- FreeAgentsupportingFreeAgent accounting software integration with RBS digital banking, allowing business customers to access accounting software through RBS digital banking platform. Customers can log in to FreeAgent directly from RBS digital banking.
- TylsupportingTyl provides payment processing services for RBS business customers, including contactless and tap-to-pay solutions for merchants.
- LombardsupportingLombard provides asset finance services referred by RBS, handling hire purchase, contract hire, and leasing for business customers.
- CushonsupportingCushon provides workplace pensions as an additional service for RBS business customers.
- ClearSpendsupportingClearSpend is a spend management platform integrated with RBS banking, providing business expense tracking and management for RBS customers.
- NatWest GroupcoreRBS Invoice Finance operates as a subsidiary of NatWest Group (formerly Royal Bank of Scotland Group). NatWest Group provides the banking infrastructure, customer base, and regulatory framework for RBS Invoice Finance operations.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
RBS Invoice Finance competitors and assessment
Company assessmentDirect peers
- Bibby Financial Services: One of the largest independent invoice finance and asset based lending providers in the UK, offering invoice discounting, factoring, and asset based lending to SMEs and mid-market businesses — directly comparable products, customer segments, and geographies to RBS Invoice Finance.
- Aldermore Invoice Finance: UK challenger bank offering invoice finance and asset based lending to SMEs and mid-market businesses, comparable in product design, customer segment, and fee-based revenue model to RBS Invoice Finance.
- Close Brothers Invoice Finance: Specialist UK invoice finance and asset based lending provider focused on SMEs, directly competing in invoice discounting and asset-based lending with comparable minimum turnover thresholds and pricing models.
- BNP Paribas Leasing Solutions: Major European banking group offering asset-based lending, receivables finance, and related working capital solutions to UK and European businesses, comparable in product depth and ability to serve larger mid-market customers.
- HSBC Invoice Finance (HSBC UK): Major UK bank offering invoice financing and receivables-backed lending to business customers, comparable in distribution model (branch + relationship manager + digital), product mix, and minimum-turnover thresholds to RBS Invoice Finance.
- Barclays Invoice Finance: UK clearing bank providing invoice finance and asset-based lending facilities to business customers, with similar product structure, customer tiers, and embedded bank distribution as RBS Invoice Finance.
- Lloyds Bank Commercial Banking: Major UK bank offering invoice discounting, asset based lending, and broader working capital solutions to UK businesses, comparable in product scope, customer segment, and integrated branch-based distribution.
Broad incumbents
- Funding Circle: UK-listed platform lending to SMEs including through invoice- and receivables-backed facilities, an alternative lender with overlapping SME working-capital customers and a digital-first distribution model versus RBS Invoice Finance's bank-led approach.
Others
- Lombard (NatWest Group): Sister NatWest Group subsidiary providing asset finance (hire purchase, contract hire, leasing) to UK businesses; not a direct invoice discounting competitor but a closely related working-capital and asset-financing counterpart within the same parent ecosystem.
Emerging players
- MarketFinance: Digital-native UK invoice finance and business lending platform providing invoice discounting, factoring, and lines of credit to SMEs, competing with bank-affiliated offerings on speed and digital experience rather than balance-sheet scale.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
RBS Invoice Finance social profiles
Digital presenceRBS Invoice Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
RBS Invoice Finance leadership team
Management profileNumber of profiles
Profiles1 record
RBS Invoice Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RBS Invoice Finance M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RBS Invoice Finance
What does RBS Invoice Finance do?
RBS Invoice Finance provides invoice discounting and asset based lending facilities to UK businesses, enabling them to unlock cash tied up in outstanding invoices or existing business assets. The FacFlow online platform serves as the digital interface for accessing and managing these facilities, supporting invoice discounting operations with paperless statements and 13 months of statement history. Services are delivered through Royal Bank of Scotland's branch network, relationship managers, and self-service digital channels.
Is RBS Invoice Finance a public or private company?
RBS Invoice Finance is a private company. It is classified as corporate owned and is currently operating.
When was RBS Invoice Finance founded?
RBS Invoice Finance was founded in 1727. It employs 5,001 to 10,000 people.
Where is RBS Invoice Finance based?
RBS Invoice Finance is headquartered in Feltham, United Kingdom, in the Europe region.
How does RBS Invoice Finance make money?
One revenue line is on record: invoice Finance Fees.
Who are RBS Invoice Finance's main competitors?
Direct peers on record are Bibby Financial Services, Aldermore Invoice Finance, Close Brothers Invoice Finance, BNP Paribas Leasing Solutions, HSBC Invoice Finance (HSBC UK), Barclays Invoice Finance and Lloyds Bank Commercial Banking. Funding Circle is listed as a broad incumbent. Lombard (NatWest Group) is listed as an others. MarketFinance is listed as an emerging player.
Does RBS Invoice Finance have an API?
No public API is recorded for RBS Invoice Finance.
What industry is RBS Invoice Finance in?
RBS Invoice Finance's product category is Invoice Finance and Commercial Lending. Its primary akta.pro industry code is FSAKAHAB, P2P Debt Consolidation & Refinancing, with a secondary code of FSABAIAD, Account & Balance Services (Operating accounts, statements, eBAM). Its NAICS code is 52229 and its SIC code is 6153.